Call reports 2003
COMMERCIAL BANK, THE — 2003
What COMMERCIAL BANK, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 102,284,000 | 104,793,000 | 107,364,000 | 108,481,000 |
| Total loans | 80,407,000 | 83,167,000 | 87,386,000 | 88,722,000 |
| Allowance for loan losses | 1,011,000 | 1,059,000 | 1,101,000 | 1,769,000 |
| Securities available for sale | 14,155,000 | 12,964,000 | 11,955,000 | 12,766,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,286,000 | 78,350,000 | 77,252,000 | 77,925,000 |
| Interest-bearing deposits | 70,075,000 | 70,283,000 | 69,348,000 | 69,655,000 |
| Noninterest-bearing deposits | 8,211,000 | 8,067,000 | 7,904,000 | 8,270,000 |
| Equity capital | 8,743,000 | 8,789,000 | 9,100,000 | 8,680,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,498,000 | 3,021,000 | 4,519,000 | 6,034,000 |
| Interest expense | 504,000 | 1,001,000 | 1,458,000 | 1,881,000 |
| Net interest income | 994,000 | 2,020,000 | 3,061,000 | 4,153,000 |
| Noninterest income | 231,000 | 467,000 | 749,000 | 976,000 |
| Noninterest expense | 754,000 | 1,721,000 | 2,551,000 | 3,295,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 905,000 |
| Pretax income | 396,000 | 616,000 | 1,034,000 | 929,000 |
| Income tax | 119,000 | 185,000 | 309,000 | 254,000 |
| Net income | 277,000 | 431,000 | 725,000 | 675,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,500,000 | 8,575,000 | 8,951,000 | 8,549,000 |
| Total capital | 9,506,000 | 9,634,000 | 10,009,000 | 9,619,000 |
| Risk-weighted assets | 80,492,000 | 85,337,000 | 84,602,000 | 84,892,000 |